Financiamiento de cadenas productivas Como pueden mejorar su desempeño?

22 ¿Como pueden los clientes mejorar su desempeño? Un programa de financiamiento de la cadena productiva 1 más eficiente puede ser la solución Pagos ▪Extensión de plazos de pago (“days payables outstanding” o “DPO”) ▪Control de los costos de financiamiento ▪Manejo de cuentas por pagar con mayor eficiencia Cobranzas ▪Reducción del periodo promedio de cobro (“days sales outstanding” o “DSO”) ▪Mejora el ciclo de conversión de efectivo ▪Decrecimiento de los costos de financiamiento ▪Expansión de mercados (crecimiento de ventas) ▪Reducción de riesgo de pago y cambio de moneda Inventario ▪Menos costo de los bienes vendidos (“cost of goods sold” o “COGS”) ▪Alineamiento de los términos con proveedores y las condiciones de venta ▪Aceleración de la rotación de inventario ▪Asegure una cadena productiva predecible 1 Financiamiento de la cadena productiva, o “SCF” por las sigles en ingles de “Supply Chain Finance”

33 Financiamiento de cadenas productivas - como funciona Proveedor bancario único 1.El comprador transmite la orden de compra a su proveedor 2.El proveedor le presenta las facturas al comprador 3.El comprador reconcilia e introduce el archivo de facturas apropiado al Banco 4.El proveedor selecciona y solicita un descuento de las facturas aprobadas al Banco 5.El Banco descuenta las facturas y remite el pago al proveedor 6.El Banco debita la cuenta del comprador en la fecha de vencimiento de la factura Banco Comprador Proveedor  Orden de compra  Factura  Factura aprobada  Pago  Debito  Solicitud de descuento

44 Beneficios del financiamiento de las cadenas productivas Un medio donde los compradores y los proveedores se benefician Compradores ▪ Mejoran el flujo de caja mediante la extensión de DPO ▪ Pueden proporcionar a proveedores con herramientas de valor añadidas para fomentar la migración a pago de cuenta abierta ▪ Reducen el costo unitario de producto por medio de la reducción de cargos de financiamiento o de cargos de intereses de los proveedores ▪ Fortalecen las relaciones con proveedores Proveedores ▪ Mejoran el flujo de caja mediante la reducción de DSO ▪ Obtienen financiamiento en base de sus cobranzas como un activo financiero, en lugar de en base a su capacidad crediticia ▪ Obtienen financiamiento a tasas más favorables que las ofrecidas por préstamos bancarios directos ▪ Mejoran las proyecciones de flujo de caja y flexibilidad ▪ Manejo de cobranzas con sus principales compradores Múltiples razones para el financiamiento de cadenas productivas…

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